Richard A Mckinnon

US Patent:

20170364788, Dec 21, 2017

Filed:

Apr 25, 2017

Appl. No.:

15/497030

Inventors:

- Charlotte NC, US
Julie Kisselburg Johnson - Phoenix AZ, US
James M. Heddleson - Charlotte NC, US
Richard McKinnon - Garnet Valley PA, US
Russell Kendall - Seattle WA, US
Cameron Wadley - Waxhaw NC, US

International Classification:

G06K 19/077
G06K 19/07

Abstract:

Aspects of the invention relate to a smart card that includes an OLED display. The smart card may store data associated with multiple purchasing instruments and utilize the OLED display to present sensitive data associated with a user selected purchasing instrument. In response to the selection, the smart card may transmit sensitive data associated with the selected purchasing instrument. The OLED display may allow the smart card to include a customizable face. The OLED display may present video, colors or any suitable text. For example, the OLED display may present a user's credit limit, rewards or spend categories. Such smart cards may be easily re-branded as a result of the smart card not being permanently tied to an embossed number. New sensitive data may be pushed to the smart card and thereby allow it to be used immediately based on the new sensitive data.

US Patent:

20140236670, Aug 21, 2014

Filed:

May 2, 2013

Appl. No.:

13/886182

Inventors:

- Charlotte NC, US
S. Michelle Ybarra - Mesa AZ, US
Jeffrey R. Walls - Charlotte NC, US
James A. Greco - Elkton MD, US
Richard McKinnon - Garnet Valley PA, US
Paul Schneider - Matthews NC, US

International Classification:

G06Q 30/02

US Classification:

705 729

Abstract:

A processor in an attribute retrieval module determines retrievable customer attributes from a plurality of data locations, wherein at least one of the retrievable customer attributes is retrieved from a data location external to the enterprise. The interface receives a customer attribute request from a first computer, the request includes at least one customer identifier and requested customer attributes. The requested customer attributes is a subset of the retrievable customer attributes. The processor determines the data location of each requested customer attribute and generates an information call for each data location. The interface communicates the information call to each data location. The interface receives a data report in response to the information call from each data location. The processor generates a complete data report based on the data report received from each data location, and the interface communicates the complete data report to the first computer.

US Patent:

20140236857, Aug 21, 2014

Filed:

May 2, 2013

Appl. No.:

13/875987

Inventors:

- Charlotte NC, US
S. Michelle Ybarra - Mesa AZ, US
Jeffrey R. Walls - Charlotte NC, US
James A. Greco - Elkton MD, US
Richard McKinnon - Garnet Valley PA, US
Paul Schneider - Matthews NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 10/10

US Classification:

705342

Abstract:

An interface receives a report associated with a customer from a first computer. The report includes customer attributes associated with the customer. A processor determines a customer identifier associated with the customer. The processor associates the customer identifier and customer attributes of the report to a customer identifier in a cross-reference table. The cross-reference table is internal to an enterprise and comprises the customer identifier and a universal key. The interface receives a request for an anonymized report from a second computer. The request comprises at least one requested customer identifier and indicates requested customer attributes. The processor determines a universal key for each requested customer identifier and generates the anonymized report. The anonymized report comprises the universal key associated with the requested customer identifier and the requested customer attributes. The interface communicates the anonymized report to a computer.

US Patent:

20140237003, Aug 21, 2014

Filed:

May 2, 2013

Appl. No.:

13/886079

Inventors:

- Charlotte NC, US
S. Michelle Ybarra - Mesa AZ, US
Jeffrey R. Walls - Charlotte NC, US
James A. Greco - Elkton MD, US
Richard McKinnon - Garnet Valley PA, US
Paul Schneider - Matthews NC, US
Mesu AZ - , US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06F 17/30

US Classification:

707803

Abstract:

An interface in an attribute calculation module external to an enterprise receives data from the enterprise. A processor performs one or more first calculations on the received data, wherein the first calculations comprise predetermined calculations to create attributes of the received data. The interface communicates the first calculated data to a database for storage, the database being external to the enterprise. The interface receives a request from a computer associated with the enterprise, wherein the request indicates criteria to conduct one or more second calculations on the first calculated data. The processor performs each of the second calculations on the first calculated data. The interface communicates the second calculated data to the computer associated with the enterprise.